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: Structured Settlements 4Real

Time Value of Money and Structured Settlement Factoring

By John Darer

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Factoring exchange owner Andrew Cravenho has done a nice write up on Time Value of Money ("TVM") on the Settlement Quotes Factoring blog which explains how TVM relates to investing and in particular structured settlement factoring. His conclusions are well worth noting.

"Structured settlement factoring is based upon principals (sic.) of time value of money. Is it better to wait years for your money, or to get your money now? The simple answer to this question is that it is better to wait for your money due to the discount rates applied to a structured settlement factoring transaction. The more complex answer is (the answer to the question) ?why? do people need cash now for their future payments? Structured settlement factoring is setup for individuals who are in desperate need for money, not for individuals who have other options besides factoring their settlement payments.

It is always best to consult with a financial professional before cashing out a structured settlement or annuity policy. A financial professional will be able to help you find other options, if available, and if not available will be able to help you complete the process of factoring a structured settlement."

Full post as published by Structured Settlements 4Real on April 11, 2008 (boomark / email).

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